What does the monthly payment base of medical insurance mean?

The base of medical insurance is the base of medical insurance payment. It is the average monthly salary of employees from June 1 day to June 65438+2 in the previous year, and it is an important basis for calculating the monthly medical insurance expenses. The specific amount depends on the actual situation of each branch.

Medical insurance generally refers to basic medical insurance, which is a social insurance system established to compensate workers for economic losses caused by disease risks. The medical insurance fund is established through the contributions of employers and individuals. After the insured person has medical expenses, the medical insurance institution will give certain economic compensation.

The medical insurance payment base refers to the base calculated by the medical insurance insured to pay the medical insurance premium according to a certain proportion.

At present, the base of medical insurance payment in China is generally determined by my salary. If my total monthly salary exceeds 300% of the average monthly salary of employees in this Municipality last year, I will pay it according to 300% of the average monthly salary of employees in this Municipality last year. If the total monthly salary is lower than 60% of the average monthly salary of employees in this Municipality last year, it shall be paid according to 60% of the average monthly salary of employees in this Municipality last year. However, due to the actual situation in different places, the specific deposit base is determined according to the local actual situation.

1. Employee: The salary base is based on my average salary last month. Pay the basic medical insurance premium according to 2% of my salary base. Transfer to employee's personal account;

2. Employer: The sum of the salary bases paid by all employees is taken as the salary base for the unit to pay the basic medical insurance. Pay the basic medical insurance premium according to 9% of the wage base paid by the unit.

Medical insurance refers to social medical insurance. Social medical insurance is a social insurance system established by the state and society according to certain laws and regulations to provide basic medical needs for workers within the scope of protection. The basic medical insurance fund consists of overall funds and individual accounts. The basic medical insurance premiums paid by individual employees are all included in individual accounts; The basic medical insurance premium paid by the employer is divided into two parts, one part is included in the personal account, and the other part is used to establish the overall fund. It has the characteristics of "low level and wide coverage".

The biggest difference between the medical insurance payment base is that the medical insurance payment base is high, the insured's personal account funds are high, the medical insurance payment base is low, and the insured's personal account funds are low. However, the base of medical insurance payment has no effect on the proportion of employee reimbursement.

To sum up, the medical insurance payment base is the base calculated by the medical insurance insured to pay the medical insurance fee according to a certain proportion. At present, the payment base of medical insurance in China is generally determined by my salary.

Legal basis:

People's Republic of China (PRC) Social Insurance Law Article 2 The state establishes social insurance systems such as basic old-age insurance, basic medical insurance, industrial injury insurance, unemployment insurance and maternity insurance to protect citizens' right to receive material assistance from the state and society in accordance with the law in case of old age, illness, industrial injury, unemployment and maternity.